Card Comparison
Capital One Savor Cash Rewards vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
20,000 points
Spend $500 in 3 months
See issuer
Top Earn Rates
- Capital One Entertainment 8x
- Hotels (Capital One Travel) 5x
- Vacation Rentals (Capital One Travel) 5x
- Rotating Quarterly Categories 5x
- All Other Purchases 1x
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
- British Airways Executive Club
- JAL Mileage Bank
- Qatar Avios
- I Prefer Hotel Rewards
- Flying Blue
- +16 more
Cash back only
Common Questions: Capital One Savor Cash Rewards vs Discover it Cash Back
Is the Capital One Savor Cash Rewards or Discover it Cash Back better for dining?
Capital One Savor Cash Rewards earns 3x on dining; Discover it Cash Back has no dining bonus.
Which has the higher signup bonus in 2026?
Capital One Savor Cash Rewards currently offers 20,000 pts signup bonus (spend $500 in 3 months). Discover it Cash Back offers $200 signup bonus. Capital One Savor Cash Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Capital One Savor Cash Rewards and the Discover it Cash Back?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Capital One Savor Cash Rewards is from Capital One and Discover it Cash Back is from Discover, so they're governed by separate bank policies.